CONSUMER COPY Client Tracking LOAN #10

Transcription

1 Residential Merged Credit Report KROLL FACTUAL DATA, 52 HAHNS PEAK DRIVE LOVELAND, COLORADO FAX KROLL FACTUAL DATA TEST 52 HAHNS PEAK DRIVE LOVELAND, CO 8538 (8) (97) Identification (as requested) CONSUMER COPY Client Tracking LOAN #1 KFD client code 61-NMDEPT Requested by OPERATOR Date requested 6/7/27 Report ID 361 BX 1118 Time requested 8:56:39 Testcase Applicant's last name Andrew First name D Middle Suffix JR DOB 1/12/1972 Social Security Testcase Co-applicant's last name Kitty First name A Middle Suffix DOB 8/6/197 Social Security Residence Information (as requested) Present 111 West Anywhere Street Fantasy Island CA 945 Credit Score Information XXX-XX-4 TESTCASE, ANDREW D 534 Serious delinquency, and public record or collection filed XXX-XX-4 TESTCASE, ANDREW D BX1 545 Bankruptcy XXX-XX-4 TESTCASE, ANDREW D BQ1 567 Serious delinquency, and public record or collection filed XXX-XX-4 TESTCASE, KITTY A CX1 589 Bankruptcy XXX-XX-4 TESTCASE, KITTY A CU1 62 Serious delinquency, and public record or collection filed XXX-XX-4 TESTCASE, KITTY A CQ1 542 Bankruptcy Credit History 11/95 11/2 75, 48 mos CHARLES COLL /5 75, Monthly (O9) -- Collection 11/2 75, COLLECTION AGENCY; Placed for collection; Closed 11/2* Possible Duplicate Account * GMAC

2 /5 68, 15 mos 11/5 Refinanced; Closed 11/2 11/5 AVCO FINANCE /5 FIRST CARD /5 12/5 [Joint] * Possible Duplicate Account * 68, 4,898 5, 4,398 5, Install (I3) Mortgage 2 mos Install (I3) Auto 25 mos 3 1/2 9/2 8/ /3 3/3 1/3 12/2 7/2 6/2 3 Revolv (R1) Credit Card 8 11/2 7/2 6/2 5/2 1/2 12/ /3 11/2 1/2 4/2 3/2 2/ /2 3/2 2/ x $758 66, x $ 136 4,8 -- Rev x $12 3, 9/5 3,452 AMERICAN EXPRESS /5 5, 9/5 3, mos Monthly (O4) Credit Card 15 mos 3 1 7/ /3 3/3 2/3 1/ /3 12/2 11/2 1/ Bal monthly 2,5 MARSHALL FIELD /5 DISCOVER 9/ /5 5, 3,782 5, Revolv (R2) Charge 12 mos 9/3 4/3 12/2 11/2 1/2 8/2 3 Revolv (R9) Credit Card , $74 Collection 1,487 1, GDK CREDIT UNION /4 12/4 [Joint] 5, 5, 25 mos 3 Revolv (R1) Credit Card Paid -- * Account closed by consumer 12/4 ACME MORTGAGE /95 12/3 12/3 [Joint] 3, 3, 25 mos 3 Install (13) Mortgage Paid -- * Account closed by consumer 12/3 TOTALS High credit 133,458 17,965 1, ,867 Creditor Information CHARLES COLL (111) MAIN STREETSSOUTH, ANYTOWN, CO 8555 AMERICAN EXPRESS PO BOX 9898, CREDITVILLE, NV GMAC PO BOX 9876, SOMEWHERE, CA MARSHALL FIELD 333 MAPLE DR, SOUTH TOWN, MN AVCO FINANCE (8) DISCOVER (555)

3 FIRST CARD (333) PO BOX 777, SMALLVILLE, IA GDK CREDIT UNION (8) ACME MORTGAGE (8) Summary Information Oldest tradeline date General 2 Public records summations 7 Number of inquiries 9 days summaries 265 Open revolving payments 758 Open installment payments 1,23 Total open payments Late 16 s 3 to 59 days late 16 s 6 to 89 days late 98 monthly owed 6,217 Revolving balance owed payments 7 s 9 and over days late owed 7,88 Installment balance owed 153,867 Total balance owed Trades numbers 3 Number of open revolving trades 3 Number of open installment trades 1 Number of balance monthly trades 9 Total number of trades Amount past due 1, Revolving amount past due 142 Installment amount past due monthly amount past due 1,142 Total amount past due 2 Number of collection trade lines 15, Revolving credit limit Adverse trade lines Number of bankruptcy trade lines Number of foreclosed trade lines Number of profit and loss trade lines Number of repossession trade lines 7 Number of adverse trade lines High credit /balance 12,894 Revolving high balance 72,898 Installment high balance 4, monthly high balance 9 Total number of trade lines Public Records Judgment Judgment Subscriber CREDIT BUREAU OF CLA Docket # 89M /1/22 Amount Status Paid $18,345 Status date 11/94 Attorney: MIKE TEST Plaintiff: DOE Comments Bankruptcy Chapter 7 Bankruptcy Subscriber COOK RECORDER OF DEEDS Docket # 9M /1/22 Liabilities $86,845 Assets $78,578 Status Filed Status date 11/95 Attorney: BILL TEST Plaintiff: ALVAREZ Comments Inquiry Information 7/6/24 INFORMATIV (BQ1) 7/6/24 INFORMATIVE RESEARCH (BX1) 7/5/24 NOWCOM/LINCOS (BX1) 7/6/24 FDC () 7/6/24 INFRM RESRCH () Database Residence Information First Last 111 W ANYWHERE ST FANTASY ISLAND CA 945 4/5 1/6 CU1 BX1 CX1 112 W ANYWHERE ST FANTASY ISLAND CA 945 1/2 4/5 CU1 113 N ANYWHERE RD FANTASY ISLAND CA 945 1/1 1/1 CU1 Database Employment Information First Last MAC'S SUPPLY SALES 47/5 1/6 BQ1 ANDERSON PRINTING SALES 1/2 4/5 CQ1 BK OFFICE SUPPLY ASSISTANT 1/1 1/1 CQ1 TruAlert - Applicant RiskID Risk Score: 1 The score ranges from to 5. The higher the score the lower the risk Search Results: Additional last name(s) associated with SSN: /Address/SSN: Full match - first name, last name, address and SSN SAMPLE

4 SSN was issued in Kentucky Potential Risk Indicators: The input SSN was issued prior to the input Date of Birth The input SSN is associated with more than one last name The input Date of Birth is not verified The input last name may have been miskeyed and Address found from input telephone number: SMITH Potentially Corrected Identifiers: Potentially corrected last name: TESSTCASE Potential Follow Up Action: First name: Last name: Address: City: State: Zip Code: Steve Sample 644 River Hollow Rd Sometown NY Contact customer to verify name with SSN (via SSN card, drivers license if applicable, paycheck stub, or other government issued ID). Contact customer to verify phone number (via directory assistance, or utility bill). SocialID SSN Validation Deceased Flag Potential DOB found SSN was issued in Kentucky SSN has not been reported as deceased August 1926 Recent Change of Address found No information found. FKA / AKA Records found None found. SSN Address JOHN DOE 123 MAIN ST, NORTH HOLLYWOOD, CA STEVE SAMPLE 644 RIVER HOLLOW RD SOMETOWN, NY MIKE SMITH 3267 N SAWTOOTH, THOUSAND OAKS, CA FRED TAYLOR 13 BELLEVUE PKWY, WILMINGTON, DE 1989 OFAC Compliance Applicant input name checked. No exact match found on the OFAC list The TruAlert products (RiskID and SocialID) cannot be used as factors in establishing a customer's eligibility for credit, residence, or employment. Information sources This report includes information retrieved from the following repository(ies): Consumer Relations Consumer Relations PO BOX 1 PO Box Chester, PA 1922 Atlanta, GA Consumer Relations PO Box 22 Allen, TX This Residential Merged Credit Report is furnished in response to a consumer or business application. The information contained herein meets the standards set forth by FNMA, FHLMC, FHA/VA and the Rural Housing Service.The information contained herein meets all guidelines set forth by the Fair Credit Reporting Act; it is to be held in strict confidence and may be revealed only to those whose official duties require the information in relation to which this report was ordered, except that which is required by law. The information has been obtained from sources deemed reliable, the accuracy of which Factual Data does not guarantee. * denotes source(s) of adverse information End of Report A Summary of Your Rights Under the Fair Credit Reporting Act 433A9EF The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Response Center, Room 13- A, Federal Trade Commission, 6 Pennsylvania Ave. N.W., Washington, D.C You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your 'file disclosure'). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identify theft and place a fraud alert in your file;

5 your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 6 days. In addition, by September 25 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. In the state of Maine the first report in a 12 month period is free; thereafter $5. is the maximum charge. See for additional information. You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 3 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 1 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: TYPE OF BUSINESS: Consumer reporting agencies, creditors and others not listed below National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Federal credit unions (words "Federal Credit Union" appear in institution's name) State-chartered banks that are not members of the Federal Reserve System CONTACT: Federal Trade Commission: Consumer Response Center - FCRA Washington, DC Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Washington, DC Federal Reserve Board Division of Consumer & Community Affairs Washington, DC Office of Thrift Supervision Consumer Complaints Washington, DC National Credit Union Administration 1775 Duke Street Alexandria, VA Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Avenue, Suite 1 Kansas City, Missouri

6 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Activities subject to the Packers and Stockyards Act, 1921 Department of Transportation Office of Financial Management Washington, DC Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC Notice To Home Loan Applicant TEST ACCOUNT 2 S COLORADO BLVD 24 DENVER, CO 8222 (33) Score Date: 1/24/26 Report ID: 661BX1577 RETURN SERVICE REQUESTED Andrew D Testcase Jr and Kitty Testcase 111 W Anywhere St Fantasy Island, IL 675 In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions concerning the terms of the loan, contact the lender. For your convenience we have provided the addresses for the three national repositories as well as the credit score developer. PO Box 22 Allen, TX 7513 (888) PO Box 1 Chester, PA 1922 (8) PO Box Atlanta, GA 3374 (8) *The information and credit scoring model may be different than the credit score that may be used by the lender. 2 Smith Ranch Road San Rafael, CA 9493 (8) Information regarding your credit score is below: Credit Score Information 534 Serious delinquency, and public record or collection filed B TESTCASE, ANDREW D B TESTCASE, ANDREW D BX1 545 Bankruptcy

7 B TESTCASE, ANDREW D BQ1 567 Serious delinquency, and public record or collection filed C TESTCASE, KITTY A CX1 589 Bankruptcy C TESTCASE, KITTY A CU1 62 Serious delinquency, and public record or collection filed C TESTCASE, KITTY A CQ1 542 Bankruptcy Andrew D Testcase Jr Date Kitty Testcase Date TEST ACCOUNT 2 S COLORADO BLVD 24 DENVER, CO 8222 (33) RETURN SERVICE REQUESTED Notice To California Home Loan Applicant Score Date: 6/7/27 Report ID: 361BX1118 Andrew D Testcase Jr and Kitty A Testcase 111 W Anywhere St Fantasy Island, IL 675 In connection with your application for a home loan, your lender must disclose to you the score that a credit bureau distributed to end users used in connection with your home loan application, and the reasons for your credit score. Credit scores are a computer generated number calculated at the time of the request and based on information a credit bureau has on file. Credit scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan and it may be used to determine what interest rate you may be offered on a mortgage. Credit scores are dynamic with the ability to change as your credit history changes. Because the score is based on information contained in your credit file, it is very important that you review your credit report to make sure it is accurate. The credit bureau plays no part in the decision to take action on the loan application and is unable to provide you specific reasons for the decision on a loan application. If you have questions regarding the terms of the loan, contact your lender.

8 For your convenience we have provided the addresses for the three national repositories as well as the credit score developer. PO Box 22 Allen, TX 7513 (888) PO Box 1 Chester, PA 1922 (8) PO Box Atlanta, GA 3374 (8) Smith Ranch Road San Rafael, CA 9493 (8) Information regarding your credit score is below: Credit Score Information 534 Serious delinquency, and public record or collection filed 545 Bankruptcy 567 Serious delinquency, and public record or collection filed 589 Bankruptcy 62 Serious delinquency, and public record or collection filed 542 Bankruptcy B TESTCASE, ANDREW D B TESTCASE, ANDREW D B TESTCASE, ANDREW D C TESTCASE, KITTY A C TESTCASE, KITTY A C TESTCASE, KITTY A BX1 BQ1 CX1 CU1 CQ1